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Chase Prime Visa vs Sapphire Reserve

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Sapphire Reserve 1.5% 1x base rate
  2. Prime Visa 1.0% 1% base rate

Dining

  1. Sapphire Reserve 4.5% 3x
  2. Prime Visa 2.0% 2%

Gas

  1. Prime Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

Travel

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Prime Visa · Chase Travel 5.0% 5%
  3. Sapphire Reserve 1.5% 1x base rate
  4. Prime Visa 1.0% 1% base rate

Amazon

  1. Prime Visa 5.0% 5%
  2. Sapphire Reserve 1.5% 1x base rate

Whole Foods Market

  1. Prime Visa 5.0% 5%
  2. Sapphire Reserve 1.5% 1x base rate

Flights

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Prime Visa · Chase Travel 5.0% 5%
  4. Prime Visa 1.0% 1% base rate

Hotels

  1. Sapphire Reserve · Chase Travel 12.0% 8x
  2. Sapphire Reserve 6.0% 4x
  3. Prime Visa · Chase Travel 5.0% 5%
  4. Prime Visa 1.0% 1% base rate

Public transit

  1. Prime Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

Rideshare & taxis

  1. Prime Visa 2.0% 2%
  2. Sapphire Reserve 1.5% 1x base rate

What the numbers are doing

Sapphire Reserve tops everything else at 1.5% only because this table values its points at 1.5 cents each. Value them at one cent and Prime Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Prime Visa $0 and Sapphire Reserve $795 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Reserve takes everything else, dining, travel and flights, plus 1 more; Prime Visa takes gas, amazon, whole foods market and public transit, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Reserve1.5%
DiningSapphire Reserve4.5%
GasPrime Visa2.0%
TravelSapphire Reserve · Chase Travel12.0%
AmazonPrime Visa5.0%
Whole Foods MarketPrime Visa5.0%
FlightsSapphire Reserve · Chase Travel12.0%
HotelsSapphire Reserve · Chase Travel12.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Sapphire Reserve — 1.5%
  2. Prime Visa — 1.0%

Dining

  1. Sapphire Reserve — 4.5%
  2. Prime Visa — 2.0%

Gas

  1. Prime Visa — 2.0%
  2. Sapphire Reserve — 1.5%

Travel

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Prime Visa · Chase Travel — 5.0%
  3. Sapphire Reserve — 1.5%
  4. Prime Visa — 1.0%

Amazon

  1. Prime Visa — 5.0%
  2. Sapphire Reserve — 1.5%

Whole Foods Market

  1. Prime Visa — 5.0%
  2. Sapphire Reserve — 1.5%

Flights

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Prime Visa · Chase Travel — 5.0%
  4. Prime Visa — 1.0%

Hotels

  1. Sapphire Reserve · Chase Travel — 12.0%
  2. Sapphire Reserve — 6.0%
  3. Prime Visa · Chase Travel — 5.0%
  4. Prime Visa — 1.0%

Public transit

  1. Prime Visa — 2.0%
  2. Sapphire Reserve — 1.5%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. Sapphire Reserve — 1.5%

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